I hate having debts. Its something that will always be at the back of my mind whenever I want to spend some of my hard earned money on myself (though it never was at the back of my mind when I buy cat food or fuel or junk food gahaha).
So here is the situation, my situation.
I graduated on September 2007. If I'm not wrong, I received the debt letter around that year or early 2008, even though many of my friends said that repayment/debt letter will only come after a year or so, as they want to give us time to look for jobs etc. Don't know if it is true. A friend received her letter even before graduation. How in the world do they expect her to make payment when she is not yet working, not yet graduated?
Anyway, I registered to pay through the bank to make it easier. At that time my salary was low, so I could not make a big payment straight away. But I did made payment. Unfortunately, I admit this, I made only 1 payment. I guess I dreamt all the other payment that I though I have made. Huh.
So that was one payment for all the one year. Yup. Bad stupid move. Further complicating the matter was the bank change. So had to register with new bank, but no time or lazy or both, (tehehe oh noes) no registration made for that one year, therefore no payment.
I resolved to make payments this year. So I registered and made the payment. OK I paid Rm100.00. Yup. And just checked the statement. And what greets me was not a smaller (although still big) debt but was more. I was charged at least RM50.00 each month last year and this year. So after the last payment I made my debt was down to 20,000.00 and after the Rm50 per month charge, it went up to 21,000.00 plus. GAH! So now basically I am paying back the RM50.00 charge per month and not the actual debt. In the satement it said the RM50 is 'Kos Pentadbiran'. Hate that!!
Ugh.
Good surprise rather great wonderful surprise was that last night my mom told me about a trip to be organized by SANA to Manila :D next month :D and if :D I :D would :D like :D to :D go :D :D? Hahhahahahhahahhaha
But of course :D ...see me grinning :D
But then, I don't have a passport and have to fork out more money for the trip. Hmm. But I do so want to go, when will I ever have the chance again?
I just have to arrange my time so I could go and make the passport which will need money as well, oh and new pictures. Then work overtime perhaps so I have extra money. Hmm.
Dad said that mom will have to go and renew her passport as well since it has expired so I hope I could tag along..ada kawan la :).
Mom coming back tomorrow, so I will talk with her then.
Oh I do so want to go!
Funny I just ranted about debts and now talking about going on a trip. Well...I can always pay back the debts all my life, but like I said before, when will I have the chance to go again?
What would you do?
So here is the situation, my situation.
I graduated on September 2007. If I'm not wrong, I received the debt letter around that year or early 2008, even though many of my friends said that repayment/debt letter will only come after a year or so, as they want to give us time to look for jobs etc. Don't know if it is true. A friend received her letter even before graduation. How in the world do they expect her to make payment when she is not yet working, not yet graduated?
Anyway, I registered to pay through the bank to make it easier. At that time my salary was low, so I could not make a big payment straight away. But I did made payment. Unfortunately, I admit this, I made only 1 payment. I guess I dreamt all the other payment that I though I have made. Huh.
So that was one payment for all the one year. Yup. Bad stupid move. Further complicating the matter was the bank change. So had to register with new bank, but no time or lazy or both, (tehehe oh noes) no registration made for that one year, therefore no payment.
I resolved to make payments this year. So I registered and made the payment. OK I paid Rm100.00. Yup. And just checked the statement. And what greets me was not a smaller (although still big) debt but was more. I was charged at least RM50.00 each month last year and this year. So after the last payment I made my debt was down to 20,000.00 and after the Rm50 per month charge, it went up to 21,000.00 plus. GAH! So now basically I am paying back the RM50.00 charge per month and not the actual debt. In the satement it said the RM50 is 'Kos Pentadbiran'. Hate that!!
Ugh.
Good surprise rather great wonderful surprise was that last night my mom told me about a trip to be organized by SANA to Manila :D next month :D and if :D I :D would :D like :D to :D go :D :D? Hahhahahahhahahhaha
But of course :D ...see me grinning :D
But then, I don't have a passport and have to fork out more money for the trip. Hmm. But I do so want to go, when will I ever have the chance again?
I just have to arrange my time so I could go and make the passport which will need money as well, oh and new pictures. Then work overtime perhaps so I have extra money. Hmm.
Dad said that mom will have to go and renew her passport as well since it has expired so I hope I could tag along..ada kawan la :).
Mom coming back tomorrow, so I will talk with her then.
Oh I do so want to go!
Funny I just ranted about debts and now talking about going on a trip. Well...I can always pay back the debts all my life, but like I said before, when will I have the chance to go again?
What would you do?
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